Shelbyville, IL · Cert 10082
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.40% | 1.21% | 1.32% | 0.85% | 1.23% | -2.40% | 1.38% | +6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.16% | 7.86% | -16.36% | 9.70% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.23% | 3.40% | 3.26% | 2.98% | 3.32% | +9 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 55.07% | 54.37% | 56.58% | 69.80% | 49.74% | -533 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.55% | 1.58% | 1.63% | 1.98% | 1.30% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 1.57% | 6.08% | 7.31% | 2.75% | 10.46% | 5.62% | 2.54% | -477 bps | |
| Loan Growth (YoY) | 27.67% | 22.01% | 17.98% | 25.80% | 26.87% | 15.25% | 10.73% | 0.14% | -2,567 bps | |
| Deposit Growth (YoY) | 1.94% | -0.37% | 4.00% | 6.98% | 3.29% | 12.63% | 9.55% | 5.13% | -185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | -0.12% | 1.27% | -0.05% | 7.53% | -0.70% | -58 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.85% | 0.84% | 0.91% | 1.32% | 1.58% | +73 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 25.56% | 23.37% | 23.45% | 22.61% | 26.13% | +57 bps | |
| Equity / Assets | n/a | n/a | n/a | 16.82% | 16.01% | 15.29% | 14.02% | 14.52% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.23% | 66.38% | 65.76% | 71.53% | 76.44% | 67.92% | 66.47% | 68.13% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 6.48% | 6.43% | 5.31% | 4.79% | 4.42% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |